The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$42,945
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,280
−HK$1,358/mo
Today · 4.125%
HK$45,638
baseline
▲ 0.50% · 4.625%
HK$48,415
+HK$2,777/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,276/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,775
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,057
−HK$1,300/mo
Today · 4.125%
HK$50,357
baseline
▲ 0.50% · 4.625%
HK$53,011
+HK$2,654/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,714/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,534
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,137
−HK$1,628/mo
Today · 4.125%
HK$54,765
baseline
▲ 0.50% · 4.625%
HK$58,097
+HK$3,332/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,530/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,331
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,868
−HK$1,560/mo
Today · 4.125%
HK$60,428
baseline
▲ 0.50% · 4.625%
HK$63,613
+HK$3,185/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,856/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,122
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$61,993
−HK$1,900/mo
Today · 4.125%
HK$63,893
baseline
▲ 0.50% · 4.625%
HK$67,780
+HK$3,887/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,786/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,886
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,679
−HK$1,820/mo
Today · 4.125%
HK$70,499
baseline
▲ 0.50% · 4.625%
HK$74,215
+HK$3,716/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,998/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,300
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,705
−HK$2,443/mo
Today · 4.125%
HK$82,148
baseline
▲ 0.50% · 4.625%
HK$87,146
+HK$4,998/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,296/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,996
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,302
−HK$2,340/mo
Today · 4.125%
HK$90,642
baseline
▲ 0.50% · 4.625%
HK$95,420
+HK$4,778/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,284/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,247 · Scale 2, in force from 26 Feb 2026)